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LIABILITY AVAILABLE TO PAY LOSSES WILL BE REDUCED BY THE AMOUNTS INCURRED AS DEFENSE EXPENSES, AND DEFENSE EXPENSES WILL BE APPLIED AGAINST THE RETENTION AMOUNT. THE COMPANY HAS NO DUTY TO DEFEND ANY CLAIM UNLESS DUTY TO-DEFEND COVERAGE IS SPECIFICALLY PROVIDED. Applicant means all corporations, organizations or other entities, including subsidiaries, proposed for this insurance. A. COMMON SECTION I. GENERAL INFORMATION 1. Applicant Information: Name of Applicant: Street Address: City, State.

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